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Consumer Portfolio Services (CPSS)
NASDAQ:CPSS
US Market
CPSS
Consumer Portfolio Services
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Consumer Portfolio Services (CPSS) Ratios

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Consumer Portfolio Services Ratios

CPSS's free cash flow for Q1 2026 was $1.00. For the 2026 fiscal year, CPSS's free cash flow was decreased by $ and operating cash flow was $0.61. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 1.53 0.44 0.00 0.00 0.00
Quick Ratio
 1.53 0.44 0.00 0.00 0.00
Cash Ratio
 1.53 0.44 0.00 0.00 2.50
Solvency Ratio
 <0.01 <0.01 <0.01 0.02 0.03
Operating Cash Flow Ratio
 66.00 20.26 0.00 0.00 3.31
Short-Term Operating Cash Flow Coverage
 66.00 20.26 16.93 33.05 11.78
Net Current Asset Value
$ -3.73B$ -3.54B$ -3.21B$ -2.63B$ -2.53B
Leverage Ratios
Debt-to-Assets Ratio
 0.91 0.91 0.90 0.88 0.90
Debt-to-Equity Ratio
 11.74 11.33 10.78 9.36 10.85
Debt-to-Capital Ratio
 0.92 0.92 0.92 0.90 0.92
Long-Term Debt-to-Capital Ratio
 0.92 0.92 0.91 0.90 0.91
Financial Leverage Ratio
 12.89 12.46 11.96 10.58 12.07
Debt Service Coverage Ratio
 0.34 1.02 0.10 0.30 0.83
Interest Coverage Ratio
 0.38 1.12 0.14 0.42 1.33
Debt to Market Cap
 17.11 17.09 13.56 13.12 13.34
Interest Debt Per Share
 180.39 170.83 157.25 130.04 122.39
Net Debt to EBITDA
 40.87 13.46 106.73 39.47 19.65
Profitability Margins
Gross Profit Margin
60.08%99.59%52.75%64.68%81.98%
EBIT Margin
20.30%60.76%6.97%17.36%35.24%
EBITDA Margin
20.49%60.76%7.19%17.60%35.73%
Operating Profit Margin
20.30%60.76%6.97%17.36%35.24%
Pretax Profit Margin
6.64%6.54%6.97%17.36%35.24%
Net Profit Margin
4.58%4.52%4.88%12.88%26.08%
Continuous Operations Profit Margin
4.58%4.52%4.88%12.88%26.08%
Net Income Per EBT
69.01%69.01%70.00%74.21%74.00%
EBT Per EBIT
32.73%10.77%100.00%100.00%100.00%
Return on Assets (ROA)
0.50%0.50%0.55%1.56%3.12%
Return on Equity (ROE)
6.54%6.24%6.56%16.51%37.65%
Return on Capital Employed (ROCE)
2.21%6.76%0.78%2.10%4.32%
Return on Invested Capital (ROIC)
885.29%2831.27%139.09%629.68%-183.48%
Return on Tangible Assets
0.50%0.50%0.55%1.56%3.12%
Earnings Yield
9.37%9.46%8.30%23.16%46.36%
Efficiency Ratios
Receivables Turnover
 0.00 0.12 0.12 0.13 0.13
Payables Turnover
 0.00 0.03 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 0.00 0.00 19.30 81.94 44.29
Asset Turnover
 0.11 0.11 0.11 0.12 0.12
Working Capital Turnover Ratio
 -159.08 -107.72 0.00 -10.80 -10.12
Cash Conversion Cycle
 0.00 -10.40K 3.08K 2.85K 2.82K
Days of Sales Outstanding
 0.00 3.12K 3.08K 2.85K 2.82K
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 13.52K 0.00 0.00 0.00
Operating Cycle
 0.00 3.12K 3.08K 2.85K 2.82K
Cash Flow Ratios
Operating Cash Flow Per Share
 13.73 13.20 10.98 11.39 10.30
Free Cash Flow Per Share
 13.68 13.20 10.96 11.36 10.20
CapEx Per Share
 0.04 0.03 0.02 0.03 0.10
Free Cash Flow to Operating Cash Flow
 1.00 1.00 1.00 1.00 0.99
Dividend Paid and CapEx Coverage Ratio
 324.91 407.62 539.85 425.72 100.48
Capital Expenditure Coverage Ratio
 324.91 407.62 539.85 425.72 100.48
Operating Cash Flow Coverage Ratio
 0.08 0.08 0.07 0.09 0.09
Operating Cash Flow to Sales Ratio
 0.68 0.68 0.59 0.68 0.65
Free Cash Flow Yield
138.86%141.51%100.90%121.26%115.26%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.68 10.57 12.04 4.32 2.16
Price-to-Sales (P/S) Ratio
 0.49 0.48 0.59 0.56 0.56
Price-to-Book (P/B) Ratio
 0.69 0.66 0.79 0.71 0.81
Price-to-Free Cash Flow (P/FCF) Ratio
 0.72 0.71 0.99 0.82 0.87
Price-to-Operating Cash Flow Ratio
 0.72 0.71 0.99 0.82 0.86
Price-to-Earnings Growth (PEG) Ratio
 4.81 -4.76 -0.21 -0.09 0.02
Price-to-Fair Value
 0.69 0.66 0.79 0.71 0.81
Enterprise Value Multiple
 43.25 14.25 114.90 42.64 21.22
Enterprise Value
 3.90B 3.71B 3.25B 2.64B 2.50B
EV to EBITDA
 43.25 14.25 114.90 42.64 21.22
EV to Sales
 8.86 8.66 8.26 7.50 7.58
EV to Free Cash Flow
 13.08 12.82 13.93 11.12 11.70
EV to Operating Cash Flow
 13.04 12.82 13.91 11.10 11.58
Tangible Book Value Per Share
 14.44 14.14 13.75 13.14 10.90
Shareholders’ Equity Per Share
 14.44 14.14 13.75 13.14 10.90
Tax and Other Ratios
Effective Tax Rate
 0.31 0.31 0.30 0.26 0.26
Revenue Per Share
 20.20 19.55 18.48 16.85 15.73
Net Income Per Share
 0.93 0.88 0.90 2.17 4.10
Tax Burden
 0.69 0.69 0.70 0.74 0.74
Interest Burden
 0.33 0.11 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.32 0.12 0.44 0.39 0.37
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 0.01
Income Quality
 14.82 14.95 12.17 5.25 2.51
Currency in USD